Sunday, February 18, 2018

15 Things You Must Know About Your Credit Report and How to Get Out of Debt - Radio Show with Brandy Speer




Brandy Speer

This is a radio show. Monday 19 February 2018 11 AM Pacific.







Credit Card Do’s…
§  Do Use a Credit Card (to build credit score)
§  Try to get the lowest possible interest rates
§  Pay minimum due on current bills
§  Pay more than minimum on highest-rate card
§  Seek help from Certified Debt Management Counselors
Credit Card Don’ts…
§  Automatically cancel credit cards
§  Fall prey to debt consolidators
                     ==============================
   
     Credit Score Do’s…
§  Understand why you need a strong credit score
§  Embrace your FICO Credit Score
§  Set your target minimum 720 score
§  Pay bills in full each month and on time
§  Use only small percentage of available credit
     Credit Score Don’ts…
§  Open lots of new accounts in a short period of time
§  Take open a store credit card (try to avoid)
§  Co-sign a credit card application for someone else

Contact Brandy Speer
888-818-5669      760-845-5550

This is a radio show. Monday 19 February 2018 11 AM Pacific.

Topic Sources                                                               

National Financial Educators Council, National Consumer Law Center, Federal Trade Commission: Fair Credit Reporting Act (FCRA), Suze Orman



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Monday, February 19, 2018 Noon. PT
Tuesday, February 27, 2018 7:00 pm PT



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Saturday, January 27, 2018

Know the Facts About Debt Collectors: 6 Things You Do and 4 Things You Don’t Do





Brandy Speer
This is a radio show, call in number 310-861-2349

11 AM to 1 PM Pacific Sunday 28 January 2018


Know the Facts About Debt Collectors:
6 Things You Do and 4 Things You Don’t Do
Debt Collection Is the Top Consumer Complaint

                         What To Do When Debt Collector Calls
§  Keep Collections Log
§  Write Request They Stop Contacting You (option)
§  Tell the Collector If You Think You Don't Owe the Debt
§  Tell the Collector You Can’t Afford to Pay (option)
§  Give the Collector Your Current Address
§  Know What the Collector Can and Cannot Do

What Not to Do When a Debt Collector Calls
§  Giving Collector Your Personal Financial Information
§  Making "Good Faith" Payment
§  Making Promises or Admitting Debt is Valid
§  Losing Your Temper

What types of debts are covered?
Can a debt collector contact me any time or any place?
How long can a collection agency attempt to collect a debt?
How can I stop a debt collector from contacting me?
Can they contact anyone else about my debt?
What does the debt collector have to tell me about the debt?
Can they keep contacting me if I don’t think I owe any money?
What practices are off limits for them?
Can they garnish my bank account or my wages?
Can federal benefits be garnished?
What to do if a debt collector sues me?
Where do I report a debt collector for an alleged violation?

Topic Sources                                                    
National Financial Educators Council, National Consumer Law Center, Federal Trade Commission: Fair Credit Reporting Act (FCRA) 

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 30 Ways to Save a $10,000 Emergency Fund

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Sunday, January 14, 2018

No Nude Swimming - Featuring Author Robert Gottlieb Intro Part 3





This is a radio show that will be in archive. The live version will be broadcast at 
11 AM Pacific Sunday 14 January 2018
Call in Number 310-861-2349

A retired attorney (mostly tired and quit), Robert Gottlieb maintained a private practice in Los Angeles and San Diego for a total of 36 years.

Robert began his general practice focusing primarily on business clients, and in the 1980s began representing insurance company clients. His career as a lawyer provides the backdrop of experience against which he has painted with a broad stroke the disillusionment and exhaustion that haunt the majority of attorneys practicing today.

Born in Los Angeles, Robert lived most of his early life in the San Fernando Valley. He attended public school and graduated from law school in Los Angeles.

Early in his days as a practicing attorney, Robert began making and saving notes involving situations with clients, prospective clients, courtroom proceedings, and the humorous and often absurd stories related to him by other attorneys. It didn’t take long to realize that the practice of law, like any other business, is about people much more than about the law itself.

In the mid- to late 1990s, Robert began to create narratives from hi notes. No Nude Swimming is his first novel.

The main character in his novel is attorney Sam Weisman. His wife wants a divorce, and his law practice is threatened by a hostile takeover. Pulled one way by two hilarious con artists who plan to steal his dreams, and another by his family and the real estate professional who's worked her way into his heart, Sam struggles to hold onto his sanity, his self-esteem, and the woman he loves. Grasping the end of his rope in one hand and the end of his rainbow in the other, he teeters between the abyss ... and the pot of gold! 


Visit the website at http://www.nonudeswimming.com to make a purchase

Saturday, December 16, 2017

'Tis the Season-The Rich Get Richer and the Poor Get Poorer with Brandy Speer





Your Money Wisdom Guide:  12 Rules to Survive the Holidays



This is a radio show. Call in number 310-861-2349
11 AM to 1 PM PST Sunday 17 December 2017

Archived and Live version available at this link.




Here are the 12 Rules

#1 Learn How Rich Are Out to Get You – Psychology and the Retail World

#2 Understand Money & Emotions -  What are you feeling?

#3 The Past Holds the Key - Best & worst holiday memories?

#4 Review Your Holiday History – What is holiday reality?

#5 Visualize the Future -What is your vision of the perfect holiday?

#6 Create Holiday Spending Plan – Your Wish!

#7 Track Your Expenses – The Key

#8 Know the Signs of Deprivation – 3 Do’s to Stop Doing

#9 Pace Yourself – Avoid Stress Time and Energy

#10 Keep New Year in Focus – Future Dreams & Goals

#11 Avoid Money Mistakes During the Holidays

#12 Enjoy the Holidays! – A time to embrace Joy. Peace. Love.



Topic Discussion Questions:

1.      What percentage of our economy is based on consumer spending?
2.      How have you felt about the holidays in recent years?
3.      Do your finances affect your emotions?
4.      What emotions influence incorrect financial decisions?
5.      Can you avoid having negative feelings about money?
6.      Do cultural values influence our lifestyles and financial choices?
7.      What is Psychology of Consumer Spending?
8.      What are 3 Do’s we must stop doing?
9.      What are money mistakes everyone makes during the holidays?
Some Topic Sources     
National Financial Educators Council (NFEC)
The Penny Hoarder
Financial Recovery Institute

Special Guest:
Business Woman--Marine Veteran Lauren Rennella served in United States Marines; Licensed Insurance Agent, Financial Education Instructor, a passion for military families. Experienced first-hand, as a military leader, importance of personal money management. Her belief, face our fears head on!

info@yourmoneywisdomnow.com   888-818-5669

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